If you are experiencing difficulties and need assistance, please talk to us and lets work together to find the best solution for you.

Caliber is here to help!

The process starts with a conversation between

you and your Caliber Cares Representative.

They will review your current situation,
help you look at your options and assist you in moving forward.

Staying in your home

Loan Modifications

If you can't afford your current mortgage and want to stay in your home, a loan modification might help by
changing your loan terms to make payments more affordable. For more details click here.

Forbearance Plans

Need help getting through a temporary hardship like Unemployment? A forbearance can temporarily reduce or suspend
payments. For more details click here.

Repayment Plans

Short-Term Repayment Plan

Did you fall behind on your payments due to a temporary hardship but are ready to get
back on track? A Short-Term Repayment Plan adjusts your payments to get your past due
amount repaid. Pay back your past due payments of 3 months or less, together with
your regular payments, over a period of up to 3 months. For more details
click here.

Formal Repayment Plan

Pay back your past due payments of more than 3 months, together with your regular
payments, over an extended period of time. A Formal Repayment Plan allows you to
make monthly payments and spread the past due amount over a period of up to 12
months. This option may be available to you, depending on investor participation.
For more details click here.

Alternatives to Foreclosure

Short Sale

If you can't afford your current mortgage and staying in your home is not an option, a Short Sale might help you
avoid Foreclosure. It allows you to sell your house for less than you owe and may release you from having to repay
the remaining mortgage balance. For details click here.

Deed in Lieu of Foreclosure

If you can't afford your current mortgage and staying in your home is not an option, you may be able to avoid
foreclosure without selling your home. A deed in lieu of foreclosure allows you to release your home to Caliber Home Loans voluntarily. For details click here.